Personal Banking

Online Banking
online banking3

Manage your account from one place.

Enroll in Online Banking

 

Everyday tools:
  • Pay your bills
  • Send money with Zelle®
  • Transfer funds between accounts
  • Set account alerts
  • Sign up for eStatements
Mobile Banking
mobile banking2

Do your banking conveniently from your phone anytime, anywhere.

Download the app here:

                     Apple IOS App logo   Google app logo
App features:
  • Deposit checks remotely
  • Pay your bills
  • Send money with Zelle®
  • Transfer funds between accounts
  • Turn debit card on and off
  • Set account alerts
  • Set international travel notices

Checking Accounts

Explore our featured spending accounts below.
See current interest rates here
Basic Checking

Our standard account offers a straightforward way to manage your money with no monthly fees. 

Voyager Banking

Everything in the basic account with added value, like up to $15 in monthly ATM fee refunds.

Personal NOW

This is an interest-bearing checking account. Minimum average balance of $200 required to avoid withdrawal fees. 

orange kayak (1)
Rates effective: February 17, 2026

Compare our checking accounts

Row
Basic Checking
Voyager Debit
Online & mobile banking

Online & mobile banking

Basic Checking
Voyager Debit
Free debit card

Free debit card

Basic Checking
Voyager Debit
Card on/off controls

Card on/off controls

Basic Checking
Voyager Debit
Optional overdraft protection

Optional overdraft protection

Basic Checking
Voyager Debit
Minimum to open

Minimum to open

Basic Checking
$10
Voyager Debit
$10
Monthly fees

Monthly fees

Basic Checking
$0
Voyager Debit
$0
Non-network ATM fee refunds

Non-network ATM fee refunds

Basic Checking
Not included
Voyager Debit
Zelle®

Zelle®

Basic Checking
Voyager Debit

Savings & Money Market Accounts

Grow your balance with these interest-earning accounts.
See current interest rates here.

Statement Savings

A simple, interest-earning savings account that keeps your funds easily accessible.

Passbook Savings

A traditional account that requires in-office transactions for added protection and comes with a passbook for record keeping.

Money Market

A flexible access account with tiered interest rates, so you can earn more as your balance increases.

Compare Savings Accounts

Row
Statement Savings
Passbook Savings
Money Market
Minimum to open

Minimum to open

Statement Savings
$10
Passbook Savings
$10
Money Market
$2,500
Minimum daily balance to earn APY*

Minimum daily balance to earn APY*

Statement Savings
$10
Passbook Savings
$10
Money Market
$10
Monthly fee

Monthly fee

Statement Savings
$0
Passbook Savings
$0
Money Market
$0
Online & mobile banking

Online & mobile banking

Statement Savings
Passbook Savings
Limited online and mobile
Money Market
Open account online

Open account online

Statement Savings
Passbook Savings
In office only
Money Market
How you bank

How you bank

Statement Savings
Online, mobile, in office
Passbook Savings
Limited online and mobile
Money Market
Online, mobile, in office

*Annual Percentage Yield (APY) = Yield when principal and interest are left on deposit. APY for these rates are subject to change.

Certificates of Deposit (CDs)

Fixed interest rates for terms ranging from 3 to 60 months. 

5-MONTH CD 3.60% APY*

$1,000 minimum to open. Rate guaranteed for the length of the term.

7-MONTH CD 3.25% APY*

$1,000 minimum to open. Rate guaranteed for the length of the term.

Rates effective: May 8, 2026

Compare CDs

Row
Interest Rate
APY*
Minimum opening
3-Month CD

3-Month CD

Interest Rate
3.30%
APY*
3.35%
Minimum opening
$1,000
5-Month CD

5-Month CD

Interest Rate
3.54%
APY*
3.60%
Minimum opening
$1,000
6-Month CD

6-Month CD

Interest Rate
2.76%
APY*
2.80%
Minimum opening
$1,000
7-Month CD

7-Month CD

Interest Rate
3.20%
APY*
3.25%
Minimum opening
$1,000
12-Month CD

12-Month CD

Interest Rate
2.76%
APY*
2.80%
Minimum opening
$1,000
18-Month CD

18-Month CD

Interest Rate
2.47%
APY*
2.50%
Minimum opening
$1,000
24-Month CD

24-Month CD

Interest Rate
2.18%
APY*
2.20%
Minimum opening
$1,000
36-Month CD

36-Month CD

Interest Rate
2.18%
APY*
2.20%
Minimum opening
$1,000
48-Month CD

48-Month CD

Interest Rate
1.98%
APY*
2.00%
Minimum opening
$1,000
60-Month CD

60-Month CD

Interest Rate
1.98%
APY*
2.00%
Minimum opening
$1,000

*Annual Percentage Yield (APY) = Yield when principal and interest are left on deposit. APY for these rates are subject to change. $1,000 minimum to open and $1,000 balance needed to earn the stated APY. APY assumes funds remain in the account until maturity. Early withdrawals may incur penalties and fees may reduce savings. Rates are guaranteed for the length of the term with fixed rate term accounts.

Savings, Checking and Money Market Rates View the latest banking rates.
International Travel Notice A step-by-step guide to setting up a travel notice in our mobile app.
Certificates of Deposit Rates View the latest CD rates.
Account Switch Guide This guide explains how to move your account from another bank to Martha's Vineyard Bank.

Contact a Personal Banking Specialist

Tell us a little about what you're looking for and we'll connect you with the right person on our team.

Find quick answers in our FAQs.








Why Choose Martha’s Vineyard Bank

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Certified B Corporation™

We are Massachusetts’ first Certified B Corp bank, which means we are held to the highest standards of social and environmental responsibility.

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Community Impact We reinvest in our communities through local lending and our Charitable Foundation, which funds scholarships, grants, and sponsorships.
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Local Service Every interaction here is personal. Our bankers know you, decisions are made locally, and support you can count on is always nearby.